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Creditfix: Debt Management reviews

Name: Debt Management
Rating: 4.82 (794 reviews)

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4.75

Based on 794 reviews, last reviewed 22nd Jul 2025

No new 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

91%

Latest highest rating:

5

Brilliant company Great company and helpful , great five star ratings***** Reviewed on: 11th April 2023

Latest lowest rating:

1

ATTENTION - ANYONE IN DEBT - DO NOT USE THIS COMPANY... ATTENTION - ANYONE IN DEBT - DO NOT USE THIS COMPANY - THEY ARE AWEFUL TO DEAL WITH - NO RESPONSES OR UPDATES AND SPENT 6YRS PAYING OF A DEBT ONLY FOR... Read more Reviewed on: 22nd July 2025

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Creditfix Debt Management reviews (794)

Review of the Creditfix, Debt Management:

For your own best interest, please go elsewhere

I have removed a previous positive review I had left of CreditFix, that I left during the beginning of opening my (now completed) IVA. At the time, I had not recognised how much they use a friendly facade to prey on vulnerable people who are reaching out to try to better their situation and putting trust in them. In hindsight, I had not fully understood the extent of how much of the money I repaid my creditors would go to CreditFix, including during early completion, and I believe this was not explained to me properly on the phone after comparing it with the documentation I agreed to. I accept that naivety on my own part and that even in a very vulnerable and desperate position I should have been more vigilant in my efforts to review what I was agreeing in writing. When I looked to complete my IVA early, I found that CreditFix were very happy to dilly dally around setting up the meeting with my creditors, meaning I continued to pay another two months of repayments whilst waiting for them to arrange the meeting. Whilst this is not the end of the world and I would have been repaying those amounts anyway in the final payment, it was clear that me improving my situation was not their priority. Once my creditors agreed, CreditFix became much less interested in engaging with me - I had to email multiple times for a response and eventually raised a complaint as I was waiting to receive the information to make my final payment and was not being provided this, and was conscious my usual monthly payment date was fast approaching and had no communication on if I missed this payment whilst waiting for the information to make my final payment whether this would negatively impact my credit or count as a missed payment. From the point of my final payment, it took four months to receive my certificate of completion via email. In this notice to me, they stated I should contact Equifax, Experian and TransUnion to notify them of the closure. They did not inform me to contact the government Insolvency Register, which was presumed to be their job, to notify them of the IVA closure. Two years after completion, I have recently gone to move home and my referencing flagged red that I have a current IVA - this was not true and when looking further into it, this was not updated within the Insolvency Register, and it appears the agencies have been using that information as truth over the report I provided, which I imagine is an automatic process. My closed IVA has therefore been showing as active for two more years than necessary to agencies, which I have had to resolve myself to enable my referencing to go through - this may have impacted other credit searches against me in the previous two years unbeknownst to me as I expected CreditFix to have done their job. I had to contact the Insolvency Register myself with the certificate of completion, usually they would leave someone’s details on the register for a period of time after completion but fortunately they have removed mine from immediate effect given the time that has passed since completion. After already feeling I was misled around how much would be paid to CreditFix and having a bad experience with their communication and tardiness, my recent experience where I’ve had to do their job for them (what exactly was I paying them for?) has only further highlighted their poor service, mismanagement and lack of interest in helping customers who are proactively trying to get back on track. I would dissuade anyone from going through this same experience and when looking for a debt management agency to look at reviews from people at all stages of using an agencies service, and not put as much weight on those written by vulnerable people who have just entered into an agreement and who are perhaps disillusioned by a company strategically putting a friendly and understanding voice as their first point of engagement. Reviewed on: 27th May 2025

A shining light in the dark

Anyone who is struggling with debt please do not suffer anymore, contact Creditfix, a special mention to Paul Mowat, whom made sure he was in contact with me regularly to ease the burden of heavy debt. Paul and his company Creditfix helped me so much I cannot thank them enough. Creditfix have been swift aswell as professional. I cannot recommend them enough. Mr K Archer Reviewed on: 26th October 2022

Peace of mind

Great team working on my behalf. Resolved my issues and keep me updated and well informed of my current status. Big thanks to natasha and Nicholas for helping me with this. Highly grateful and wouldn't hesitate to forwarding the company to people with debt troubles. Many thanks team,Richard. Reviewed on: 26th October 2022

They advertise government hep 40% off from your debt

I had 8000 debt. Pay for creditfix 10500 on a 5 year period. And still on band for 6 year . What a great service Reviewed on: 24th October 2022

Scam

I had to pull out of credit fix due to my creditors not being paid. The reason I got was at times we need our fees so we cannot pay your creditors. I have contacted my creditors and informed them I wil pay directly. Some creditors have not been paid for months. Reviewed on: 8th October 2022

Sharks

Avoid this company like the plague unless you want to pay 3x more in their fees than to your creditors. They are just profiteering off peoples misfortune. Go through a gov supported charity. Reviewed on: 17th August 2022

All they want is your money

All they want is for you to pay money for a longer period of time especially when everything has gone up with cost of living and if you pay a lot less per month they extend by a further 12 to 24 months and I've already paid over 4 years so waiting to see if I can end iva on payments made to date. Reviewed on: 8th August 2022

Biggest regret of my life

I turend to Creditfix during a very tough financial time - at first they were great. Once I had signed the documents, the whole service changed - please contact your bank before going down this route. They have 0 customer service, i've making monthly payments for 2 years, none of this money has gone to me debts yet, this has only just covered Credfix's own fees. Awful. Reviewed on: 7th April 2022

Customer service is diabolical!

Quite frankly in my current situation if I could leave a zero star review I would. I am only 7 payments of finishing my IVA, never missed a payment and never had a payment break. Unfortunatly due to unforseen circumstances I require a car finance. If I could get away with not doing this I would but I cant afford to replace my car and it could die any day and without a car I can't get to work. Meaning I don't get paid and none of my bills or my IVA gets paid. I put a reasonable request in for a car finance.... I have a finance waiting who are happy to cover me without authorisation but creditfix have said if I go ahead it would viud my IVA. For the past 2 weeks I have literally been spoken to in a very rude manner, made to feel like a nuisance and literally been outright lied to by multiple people in that department! I have been promised multiple call backs including ones from management which have never happened! My stress levels are through the roof right now and the service being provided is quite simply diabolical! DO NOT USE THIS COMPANY! FIND ANOTHER! Reviewed on: 5th April 2022

Legalised Robbery

I went to creditfix at Christmas 2017 when I had no other choice my marriage had broken down & my ex wife had left me with all the debt because I was stupid enough to put it all in my name , anyway the person I spoke to was so reassuring that my Christmas wouldn’t be anymore upsetting than it already was & that they could help sort my debt out , after hours of phone calls it was all sorted or so I thought my original debt was £28k after the sales of my house which creditfix were aware was on the market before they agreed the IVA I was made to hand over £16500 plus all my monthly payments which to date is £11k I have 2 years remaining on the payments I am making each month that is another £4500 when I approach them about the £16500 they tell me that money doesn’t go of the balance of my IVA , I’m now stuck renting a bedroom can’t get private rent accommodation or mortgage can’t get a reliable car for work yet these people seem to be able to take as much money has they want no question asked ‘HOW’ the minute I do overtime they want 50% because it takes me over the 10% of my earnings I’m allowed to keep. Reviewed on: 1st March 2022

Awesome team and friendly.. Always happy to help.

I would not go to any other company.. Thank you Creditfix team Reviewed on: 17th September 2021

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